Is there a web app that is:

1. Free
2. Behaves like Mint
3. But allows me to keep track of money I loan or owe other people?

I should be able to setup an "account" for each person that I loan out to, and be able to "check off" when the person returns me the money, etc.

I should also be able to add notes to each transaction to help me remember what it was for.

Would be even nicer if I can add transactions via text messaging, email, etc.